Are you looking for affordable Michigan car insurance? Did you know that in 2005 Michigan was ranked number 12 for states with the highest auto insurance premiums. The average annual auto insurance premium at this time was around $1089.

This means that finding cheap MI car insurance may prove to be more difficult for Michigan residents than it is for people living elsewhere. However, there are still some things that you can do as a Michigan resident to get the affordable coverage you are looking for.

The first step is shopping around. Make sure you compare quotes from multiple Michigan car insurance providers before buying. This is the only way to make sure that you are getting the best deal possible.

Use our free Michigan car insurance quote comparison tool now to easily compare policies from top Michigan auto insurance companies side by side.

Here are some other tips that you can use to get the most affordable Michigan auto insurance policy possible.

Tip #1: Look for Michigan Car Insurance Discounts

Many car insurance companies in Michigan will offer discounts on their policies, which can be a great way for you to save some money on your MI car insurance coverage. Make sure you factor this in when shopping around and comparing companies.

Some common Michigan auto insurance discounts include:

• Good Student: If you are a student with good grades you may be eligible for a good student discount. The eligibility requirements for this discount will vary from company to company. You may have to be full time and have a certain GPA to receive this discount.
• Safe Driver: This discount is typically for people who complete a drivers safety course or defensive driving course that is approved by the insurance company.
• Low Mileage: A low mileage discount may be available to you if you meet a monthly or yearly low mileage requirement.
• Senior: Some Michigan auto insurance companies offer a discount to senior citizen drivers. Senior citizen usually includes people over the age of 65.
• Military: If you are past or present military personnel you may be eligible for a MI auto insurance discount from certain companies.
• Safe Vehicle: Some companies offer a discount to drivers who have specific safety features present on their vehicle such as anti lock brakes and passenger air bags.
• Economy Car: Some MI car insurance providers will offer discounts to drivers of economy cars or fuel efficient vehicles.

You can compare your Michigan car insurance policy options now by using our free online Michigan auto insurance quote comparison tool.

Tip #2: Make a Wise MI Car Insurance Company Decision

There are many factors that should play a role in your MI car insurance company choice. Of course the rates offered by the company will probably be the biggest factor in your decision, but don’t forget to consider the following as well:

• Who is your home insurance through? Purchasing your home insurance/ renters insurance through the same company as your auto insurance could help save you money as many companies offer a discount for multiple policies.
• Is the company financially stable? Choosing a company that is financially stable will allow you to be confident that your policy will be honored should you need it. Check the company’s financial ratings by using an independent financial rating company such as A.M. Best or Standard & Poor’s.
• How experienced is the company? Choose a company that has been in business for many years and can provide you with experience over a company that has just started and no one has ever heard of.
• Will the company provide you with the customer service you deserve? You will want to work with a company that provides you with the excellent level of customer service that you deserve.
• How will your claims be handled? The last thing you want when you’ve been in an accident is a hassle when it is time to file your claim. Make sure the company has an online claims service or 24 hour phone claims service that is easy to use.

You can compare Michigan car insurance companies now using our free online MI auto insurance rate comparison tool!

Tip #3: Compare MI Car Insurance Rates Before You Buy

Many people falsely assume that there is no use in shopping around and comparing car insurance rates because their rates are set by the state. However, car insurance companies in Michigan are free to set your rates and are not regulated by the state in this regard. Some of the main factors that car insurance companies will consider when setting your rates include:

• Age
• Gender
• Marital Status
• Location
• Vehicle
• Credit Score
• Driving Record
• Claims History

Each Michigan car insurance company will most likely use these factors to determine your rates but each company will at the same time have a different formula.

That being said, the only possible way to know that you are getting the lowest Michigan car insurance rates that are available to you is by shopping around and comparing quotes before you buy.

While this may sound like a time consuming process, shopping around for car insurance in Michigan is actually very simple. Our free Michigan car insurance quote finder allows you to easily compare multiple policies from top insurance providers side by side.

Get started finding the best Michigan car insurance quotes possible right now!